Are you regretting the purchase of an under-performing, overpriced insurance policy? Don’t sweat it because you’re not the only one.
Regrettably, the vast majority of insurance customers in Ohio have remained with the same insurance company for over three years, and just short of a majority have never compared rates with other companies. American consumers could save $850 every year by just comparing quotes, but they feel it’s too difficult to find lower-cost insurance by shopping around.
How to quote cheaper Chevy Avalanche insurance in Cleveland
The easiest way to get budget car insurance rates in Cleveland is to compare prices once a year from insurers that sell auto insurance in Ohio.
Step 1: Try to learn a little about how insurance companies determine prices and the measures you can take to prevent rate increases. Many risk factors that drive up the price like traffic citations, accidents, and a negative credit score can be eliminated by making minor driving habit or lifestyle changes.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while agents who are independent can quote rates from many different companies.
Step 3: Compare the new rate quotes to the price on your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure there is no lapse in coverage.
The most important part of shopping around is to compare similar limits and deductibles on each price quote and and to get rate quotes from as many companies as feasibly possible. Doing this ensures the most accurate price comparison and the best price selection.
Companies like Allstate, Progressive and GEICO persitently shower you with advertising and it is difficult to ignore the flashy ads and do the work needed to find the best deal.
It’s a good idea to compare premium rates before your policy renews because insurance prices change regularly. Despite the fact that you may have had the best deal on Chevy Avalanche insurance in Cleveland last year you can probably find a better rate quote now. Ignore everything you know about insurance because you’re about to learn the only way to lower your annual insurance bill.
Cleveland car insurance discounts
Car insurance companies don’t always list all available discounts in a way that’s easy to find, so the following list contains some of the more common and also the lesser-known ways to save on car insurance.
- Discounts for Cautious Drivers – Drivers without accidents may receive a discount up to 45% compared to accident prone drivers.
- Accident Forgiveness – This isn’t a discount exactly, but companies like GEICO, State Farm, and Progressive will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
- Multiple Cars – Buying insurance for multiple vehicles on one policy can get a discount for every vehicle.
- Cleveland Homeowners Discount – Being a homeowner can earn you a little savings since home ownership requires a higher level of personal finance.
- Defensive Driving Course – Passing a class that teaches driver safety techniques could possibly earn you a 5% discount and also improve your driving technique.
- Professional Memberships – Being a member of specific professional or occupational memberships or organizations may earn a discount on car insurance.
A little note about advertised discounts, many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts should definitely cut your premiums.
The information below illustrates the difference between Chevy Avalanche car insurance rates with and without discounts. The information is based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, homeowner, multi-policy, and claim-free discounts applied.
To view car insurance companies who offer free Chevy Avalanche insurance quotes in Ohio, click this link.
All major insurance companies like GEICO, State Farm and Progressive give coverage price quotes online. This process is possible for anyone as you just type in your required coverages on the page. When complete, the system sends out for your credit score and driving record and generates a price based on many factors. Getting online price quotes for Chevy Avalanche insurance in Cleveland helps simplify price comparisons, and it is imperative to compare as many rates as possible in order to get the cheapest price.
To find out what other companies charge, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you type in deductibles and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will receive an apples-to-apples comparison for exact coverage.
The following companies are ready to provide comparison quotes in Ohio. If your goal is to find cheap auto insurance in OH, we recommend you visit several of them to find the most affordable car insurance rates.
Chevy Avalanche insurance rates and statistics
The premium table below highlights a range of insurance coverage prices for Chevy Avalanche models. Learning how rates are figured is important for drivers to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $118 | $210 | $368 | $22 | $110 | $828 | $69 |
| Avalanche LT 2WD | $118 | $248 | $368 | $22 | $110 | $866 | $72 |
| Avalanche LS 4WD | $118 | $248 | $368 | $22 | $110 | $866 | $72 |
| Avalanche LT 4WD | $118 | $248 | $368 | $22 | $110 | $866 | $72 |
| Avalanche LTZ 2WD | $130 | $248 | $368 | $22 | $110 | $878 | $73 |
| Avalanche LTZ 4WD | $130 | $248 | $368 | $22 | $110 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in specific garaging location which can increase or decrease rates noticeably.
Can higher deductibles save money?
When shopping for insurance, a common question is which deductible level should you buy. The rates shown below show how much more you’ll pay of buying low and high policy deductibles. The first rate estimation uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $220 | $352 | $284 | $16 | $84 | $981 | $82 |
| Avalanche LT 2WD | $220 | $416 | $284 | $16 | $84 | $1,045 | $87 |
| Avalanche LS 4WD | $220 | $416 | $284 | $16 | $84 | $1,045 | $87 |
| Avalanche LT 4WD | $220 | $416 | $284 | $16 | $84 | $1,045 | $87 |
| Avalanche LTZ 2WD | $246 | $416 | $284 | $16 | $84 | $1,071 | $89 |
| Avalanche LTZ 4WD | $246 | $416 | $284 | $16 | $84 | $1,071 | $89 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $122 | $186 | $284 | $16 | $84 | $692 | $58 |
| Avalanche LT 2WD | $122 | $220 | $284 | $16 | $84 | $726 | $61 |
| Avalanche LS 4WD | $122 | $220 | $284 | $16 | $84 | $726 | $61 |
| Avalanche LT 4WD | $122 | $220 | $284 | $16 | $84 | $726 | $61 |
| Avalanche LTZ 2WD | $136 | $220 | $284 | $16 | $84 | $740 | $62 |
| Avalanche LTZ 4WD | $136 | $220 | $284 | $16 | $84 | $740 | $62 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in Cleveland location which can influence prices noticeably.
Based on this data, using a $100 deductible would cost the average driver about $26 more each month or $312 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 35 months between claims, you would probably come out ahead if you elect the higher deductible.
Full coverage rates compared to liability-only
The diagram below illustrates the comparison of Chevy Avalanche auto insurance rates with and without physical damage coverage. The premiums assume no violations or accidents, $500 deductibles, drivers are single, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There isn’t a steadfast formula that works best for making the decision to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Chevy Avalanche replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after the policy deductible has been paid. If you are currently paying more than $500 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some situations where removing full coverage is not advised. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Insurance agents near you
Some people still like to sit down with an agent and that is recommended in a lot of cases Agents can point out coverage gaps and give you someone to call. A nice benefit of comparing auto insurance online is the fact that you can find lower rates and still have an agent to talk to. Buying from local insurance agencies is still important in Cleveland.
To make it easy to find an agent, after completing this short form, your insurance coverage information gets sent to companies in Cleveland who will return price quotes for your auto insurance coverage. You won’t need to contact any insurance agencies because quoted prices will be sent to your email. If you wish to get a rate quote from a specific company, you would need to visit that company’s website and complete a quote there.
Exclusive or Independent: There is a difference
If you prefer to buy auto insurance from local Cleveland agents, you need to know there are two different types of agencies and how they are distinctly different. Cleveland agents are considered either exclusive or independent agents depending on their company appointments. Both provide auto insurance policies, but it is important to understand how they differ since it could factor into your selection of an agent.
Independent Auto Insurance Agents
These agents can quote rates with many companies so they have the ability to put coverage with an assortment of companies and help determine which has the cheapest rates. If they find a cheaper price, the business is moved internally which is easy for the insured. When comparing rates, you need to include independent agents so that you have a good selection of quotes to compare.
The following is a list of independent agencies in Cleveland that can give you price quote information.
A Better Insurance Services
20660 Aurora Rd – Cleveland, OH 44146 – (216) 475-6800 – View Map
Pilat Insurance Agency, Inc.
5925 Ridge Rd – Cleveland, OH 44129 – (440) 888-1150 – View Map
Lake Shore Insurance Agency
735 Beta Dr – Cleveland, OH 44143 – (440) 446-1600 – View Map
Exclusive Agencies
Exclusive insurance agents can only place business with one company like Allstate, Farmers Insurance or State Farm. They generally cannot shop your coverage around so keep that in mind. Exclusive agencies are trained well on their company’s products which can be an advantage.
The following are Cleveland exclusive insurance agencies who can help you get price quote information.
Jinisha Patel – State Farm Insurance Agent
4342 Ridge Rd – Brooklyn, OH 44144 – (216) 741-6100 – View Map
Allstate Insurance: Nanci Cieckiewicz
4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map
Justin Ragor – State Farm Insurance Agent
3878 Rocky River Dr Ste 4 – Cleveland, OH 44111 – (216) 251-5300 – View Map
Finding a good insurance agent should include more criteria than just the premium amount. Ask your prospective agent these questions:
- Do they regularly work with personal auto policies in Cleveland?
- Does the company use OEM repair parts?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How are claims handled?
- Do they see any coverage gaps in your plan?
- If your car is totaled, how to they determine the replacement cost?
- How much experience to they have in personal lines coverages?
What is the best car insurance company in Ohio?
Buying coverage from the top car insurance company is hard considering how many choices there are in Ohio. The company information listed below can help you analyze which car insurance providers you want to consider putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Quote often and quote early
Throughout this article, we presented a lot of ways to get a better price on Chevy Avalanche insurance in Cleveland. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding low cost Cleveland car insurance quotes. Consumers may even find the best premium rates are with a lesser-known regional company. Regional companies can often provide lower prices in certain areas compared to the large companies like GEICO and State Farm.
A few companies may not have price quotes online and usually these small, regional companies only sell through independent insurance agencies. More affordable auto insurance in Cleveland can be bought both online as well as from independent agents in Cleveland, so you should be comparing quotes from both in order to have the best price selection to choose from.
Steps to finding the cheapest rates for Chevy Avalanche insurance in Cleveland
If saving the most money is your goal, then the best way to find low-cost Chevy Avalanche insurance in Cleveland is to regularly compare price quotes from different companies who can sell car insurance in Ohio.
Step 1: Read and learn about how companies price auto insurance and the measures you can take to prevent expensive coverage. Many risk factors that cause rate increases such as traffic citations, accidents, and poor credit history can be controlled by making small lifestyle or driving habit changes.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can provide price quotes from multiple insurance companies. View insurance agents
Step 3: Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find a better price and switch companies, verify that coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company of your intention to cancel your existing policy. Submit a signed application and payment to your new company or agent. As soon as coverage is bound, keep your new certificate verifying proof of insurance along with the vehicle’s registration papers.
The most important part of shopping around is that you use the same coverage limits and deductibles on every quote request and and to get prices from as many different companies as possible. This ensures the most accurate price comparison and the best price quote selection.
Additional information is available at the links below
- Understanding your Policy (NAIC.org)
- Who Has the Cheapest Cleveland Car Insurance for College Students? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Low Mileage Drivers in Cleveland? (FAQ)
- Who Has Affordable Auto Insurance for Uninsured Drivers in Cleveland? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)